Let us help you find your Dream Home

I have access to Pre-Market homes Too!

I have access to tons of homes that are not yet available on the market!

(pre-listed,foreclosures,bankruptcy and others that you can't find anywhere else! (These are special access, so if you must contact me directly with info on your dream home needs)

Click for More

Space

coast

Ranch & Land

condos & ​TownHomes

Homes

Quality You Can Trust

We have been serving Florida's ​residents for over 30 years!

We Guarantee you'll love our ​work for years to come!

Customized services for both ​Commercial and Residential

Remodeling? Visit our pro!

Happy Clients

"A huge thank you to Sarah Wingate for ​helping me avoid foreclosure. I wasn't sure ​we were going to be able to finish ​everything in time but they even helped ​me get the mortgage payoff statement so ​that we could close before my auction ​date. I'm forever grateful."

"She's not just knowledgeable, helpful and quick witted..she makes it as fun as possible too :)"

Robert Whatley

Jimmy Mutter and his team were fantastic in their approach to selling my house. Their advice and help were instrumental in a quick sale and maintaining the sale price I was looking for. I would recommend them to anyone looking for a professional team to sell their property.

Let's Talk

How much down payment ? What is required for a house?

Many home buyers think they need 20% down to buy a house. But you can get away with a lot less.

Today’s home loans allow as little as 3% down payment for most home buyers

. And if you meet certain criteria, you might even be able to buy a house with no down payment.

Thanks to these low down payment loan options, borrowers no longer have to save for years and years to afford housing.

In fact, you might even qualify with the money already in your savings account.

5 Main Types of Home Loans

Conventional loan — 3%. Typically backed by Fannie Mae or Freddie Mac, conventional or ‘conforming’ mortgages allow as little as 3% down with a minimum credit score of 620

FHA loan — 3.5%. FHA mortgages are insured by the Federal Housing Administration. They allow a minimum down payment of 3.5% and only require a credit score of 580

FHA 203(k) -offers a specialist loan for those who want to buy “fixer-upper” homes lets you borrow the purchase and rehab costs in a single loan. You get the latter in stage payments or installments (“draws”) as the work reaches pre-set milestones.

VA loan — 0%. VA loans, insured by the Department of Veterans Affairs, do not require a down payment. However, you must be a veteran, active-duty service member, or member of a related group to qualify

USDA loan — 0%. USDA mortgages are insured by the U.S. Department of Agriculture. They allow zero down payment, but you must buy a home in an eligible rural area. You need a credit score of at least 640 and a low-to-moderate income

Jumbo loan — 5-10%. A jumbo loan is a mortgage that exceeds conforming loan limits: currently $726,200 in most areas. A few lenders offer jumbo financing with 5% down, but you’ll often need a 10% down payment or more and a FICO score of at least 680-700

Luckily, you don’t have to go it alone.

There are many different ways to get assistance with your upfront home buying costs.

Here are a few good strategies to explore:

Down payment assistance programs (DPA) — DPA programs are run by state and local governments. They offer cash grants or low/no interest loans to help home buyers cover their down payment and closing costs. Ask your real estate agent or loan officer about down payment assistance in your area

Lender credits — A ‘lender credit’ is when the lender covers part or all of your closing costs. In return, you pay a higher mortgage rate on your loan. This will increase your interest cost over the life of the loan — but in today’s low-rate market, it’s possible to use lender credits and still come out with an affordable loan

Seller concessions — A seller concession is when the seller agrees to cover some or all of your closing costs. This is more common in a ‘buyer’s market’ – when sellers are having a hard time selling homes. But if sellers have the upper hand, sometimes you can offer to pay a slightly higher purchase price on the home in exchange for a credit

Interested party contributions – The seller and lender aren’t the only ones who can give a credit. Your real estate agent, the seller’s agent, the builder, and just about any other party involved in the transaction can contribute toward closing costs up to allowable limits

Down payment gifts — Most loan programs allow you to cover part or all of your down payment using gifted money from a family member or friend. The funds need to be properly documented to be eligible.

Subsidized mortgage loans — Some state and local governments offer subsidized mortgages that come with down payment and/or closing cost assistance for borrowers.

Ask your agent or loan officer about the availability of these first-time home buyer programs

Homeownership Assistance: Florida | HUD.gov / U.S

makes homeownership affordable for eligible

frontline community workers such as law enforcement officers, firefighters, ​educators, healthcare professionals, childcare employees

, and active military or veterans.

Hometown Heroes

FHA Down Payment ​Assistance

We make shopping and buying insurance simple – it’s always on your terms, not ours.

Get a quick quote and buy on-line!

we can ​protect ​your ​rights

Plans Starting

$$29.95/mo

We ARE

Join our Team

Find the independence and financial opportunity you’ve ​been looking for as a LegalShield Associate.

Join my team

One-time fee of $49

LegalShield Advantage Plus included for one month,

then $24.95/month

Protect What Matters Most

Take Care of Your Children

Testamentary Trusts are created after your death, by the terms of your will. The assets to fund a testamentary ​trust usually go through probate. A common example of a testamentary trust is one created by a parent ​leaving assets to a child. The testamentary trust is administered by a trustee until the child reaches a stated ​age, at which point the assets are then transferred to the child.

Creating a trust for minor children allows you to set rules for the use of your assets. For example, you can ​dictate that a child can access the funds only after they reach a certain age. Until your child reaches the ​designated age, the named trustee could be allowed to use funds in the trust to pay for your children’s health ​care, education or upbringing. You could also, for example, stipulate that certain funds could only be used for ​college tuition payments.

Trusts are a great way to safeguard your children by making sure your money is protected and that it’s used ​to care for your kids according to your wishes. Depending on your family and your life, a provider attorney ​can tailor a Trust to meet your specific needs. Each state has laws governing Trusts.

Term

Mortgage Protection

infinate banking

Wedding

Officiant